Interesting. That would support the above thought. So I guess the rating is based on the 11 players on off/def at the time. One way to test it is in the play now mode, go in the depth chart for either off or def and sub all 2nd stringers and see what the new rating is.
As far as thorns in my side, I haven't started a Dynasty yet (I hope to get one going tonight), but the teams that usually give me fits are LSU, Alabama, and of all things Mississippi State. In fact, my 3 top greatest game scores last year were these three games. Beat LSU in double OT (I didn't miss 5 FG like our kicker did
), I kicked a FG late to knock off MSU, and hit a 45 yd strike to knock off Bama in the last 30 seconds of a tied ballgame.
Truth be told though the real thorn is these dang sliders. I think I play with them more than actual games.